C
Carthage Savings and Loan, National Association
Rating Date
June 2025
Risk Based
Capital Ratio
26.22
Leverage
Ratio
12.44
Return On
Assets
0.59%
Total
Assets
308.27M
Capital
42.62M
Total
Deposits
256.19M
Net
Income
447.00K
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Weiss Ratings Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Rating C
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 1.30
Profitability Index 2.50
Stability Index 6.90
Company Info Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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FDIC Number 28942
Phone Number (315) 493-3480
Website www.carthagesavings.com
Asset Quality Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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1-Year Asset Growth 3.02%
5-Year Asset Growth 4.34%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.18%
Non-Performing Loans to Loans 0.03%
Balance Sheet Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Total Assets 308.27M
Total Deposits 256.19M
Capital and Reserves Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Capital 42.62M
Leverage Ratio 12.44
Loan Loss Reserves to Loans 0.63%
Risk-Based Capital Ratio 26.22
Liquidity Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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Hot Money Ratio 27.37%
Liquidity Ratio 10.94%
Profitability Carthage Savings and Loan, National Association
Carthage, NY 		Click to
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5-Year Return on Average Assets 0.51%
Net Income 447.00K
Net Interest Spread 2.70%
Operating Profit to Average Assets 0.72%
Overhead Efficiency Ratio 72.82%
Return on Assets 0.59%
Return on Equity 4.23%